Operation and Management of Commercial Banks

"Operation and Management of Commercial Banks" is a core undergraduate course for the Financial Management major in the School of Finance and Economics. It aims to help students systematically master the core knowledge and practical skills of commercial bank operation and management. Centering on the three core operating principles of commercial banks—"safety, liquidity, and profitability"—the course covers basic understanding of commercial banks (such as their origin, development, nature, and functions), as well as key business modules including capital management, deposit and loan business, liquidity management of cash assets, off-balance sheet business, and international settlement. Meanwhile, it integrates analysis of industry transformation challenges and future development trends.

In the teaching process, the model of "theoretical teaching + real case analysis" is adopted. By interpreting bank operation cases and conducting business simulation practices, the course helps students understand the logic of bank operations, improve their initial ability to analyze operating conditions and identify business risks, and lay a solid foundation for their subsequent engagement in work or academic research in the financial field

Syllabus

1 Origin, Nature, Functions and Operating Principles of Commercial Banks

1.1 Origin and Development of Commercial Banks
1.2 Nature and Functions of Commercial Banks
1.3 Operating Principles of Commercial Banks
1.4 Chain banking system

2 Capital Management of Commercial Banks

2.1 Composition of Commercial Bank Capital
2.2 Basel Accord
2.3 Capital Adequacy and Bank Soundness
2.4 Capital Management Strategies of Commercial Banks

3 Liability Business Management of Commercial Banks

3.1 Overview of Commercial Bank Liability Business
3.2 Deposit Pricing
3.3 Accounting and Management of Savings Deposit Business
3.4 Sources of Non-deposit Funds
3.5 Liability Cost Management of Commercial Banks

4 Loan Business and Risk Management of Commercial Banks

4.1 Objectives and Principles of Commercial Bank Cash Asset Management
4.2 Cash Assets and Liquidity Needs of Commercial Banks
4.3 Liquidity Management of Commercial Banks

5 Loan Business and Risk Management of Commercial Banks

5.1 Types of Corporate Loans
5.2 Corporate Loan Procedures and Risk Analysis
5.3 Types of Personal Loans & Personal Loan Risk Analysis

6 Securities Investment of Commercial Banks

6.1 Overview of Securities Investment by Commercial Banks
6.2 Returns and Risks of Securities Investment by Commercial Banks
6.3 General Strategies for Securities Investment by Commercial Banks
6.4 Separation and Integration of Banking and Securities Industries

7 Asset-Liability Management of Commercial Banks

7.1 Theory and Development of Asset-Liability Management in Commercial Banks
7.2 Asset-Liability Management Methods
7.3 Interest Rate Risk Management
7.4 Practice of Asset-Liability Management in China's State-Owned Commercial Banks

8 Off-Balance Sheet Business and Intermediate Business Management of Commercial Banks

8.1 Types and Contents of Off-Balance Sheet Business of Commercial Banks
8.2 Asset Securitization of Commercial Banks
8.3 Risks and Management of Off-Balance Sheet Business of Commercial Banks
8.4 Intermediate Business and Management of Commercial Banks

9 Development Trends and Challenges of Commercial Banks（内容为10）

9.1 Challenges for Modern Commercial Banks
9.2 Impact of Changes in the International Financial Market on the Banking Industry
9.3 Future Development Trends of Chinese Commercial Banks